Cheap Auto Insurance Quotes in Kingsport, TN (2023)

Kingsport’s 50.3 square miles cover a town like many others its size and include hospitals, college campuses, shopping districts, and neighborhoods. It does boast one frightful fact. The actor who played Michael Myers in Halloween hails from here and can occasionally be seen at the local haunted houses.

What shouldn’t be frightening about Kingsport? Driving. Though you can’t always escape the traffic and accidents that come with traveling in and around the Tri-Cities area, you can ensure the best outcome by having a solid car insurance policy in place.

Car Insurance in Kingsport, TN

The average cost of Tennessee car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Kingsport, TN to find you the cheapest quotes in the area.

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• Cheap Car Insurance Tennessee

• Compare Car Insurance

Cheapest Car Insurance in Kingsport, TN

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Best Car Insurance in Kingsport, TN

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Kingsport. For the complete list, see Insurify's best car insurance companies .

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Average Car Insurance Cost

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Minimum Car Insurance Requirements in Tennessee

All motor vehicles operated or parked on Tennessee roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Tennessee^[1] are:

• $25,000 per person for bodily injury

• $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Tennessee is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $15,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

Kingsport Car Insurance Rates by Driver Age

Teenagers working part-time should be able to squeak out a $268 per month car insurance payment and still have some spending money left over. In the Volunteer State, premiums go down as experience behind the wheel increases. So young adults in their 20s grab an $80 price break from what teen drivers shell out. From there, everyone 30 or older spends less than the state average of $181. People in their 60s lock in a rate that’s less than half of what the youngest drivers pay.

Kingsport Car Insurance Rates by Driving and Accident History

In Kingsport, safe driving rewards people in more ways than one. Folks get the peace of mind that comes from defensive driving, and insurance companies grant “good driver” and “accident-free” discounts to the most responsible motorists. Why do drivers with a failure-to-stop violation pay the least? Often, drivers with violations buy bare-bones policies, skipping comprehensive and collision coverage. A speeding ticket pops the rate up to $176 per month. Fortunately, after three years of careful driving, a person can qualify for the best rates again.

See More:

• High-risk Car Insurance Tennessee

• DUI Car Insurance Tennessee

Kingsport Car Insurance Rates by Credit Tier

Tennesseans have scratched their heads for years trying to figure out what credit has to do with driving. State law says insurance companies can assess credit when setting rates. Usually, people with better credit pay less. So why is it just the opposite in Kingsport? Those with better credit may finance costlier cars and get more coverage to protect their assets. Even so, those with poor or average credit only have a $5 difference between them.

See More: Bad Credit Car Insurance Tennessee

Find local Kingsport agents

Kingsport, TN DMV Information

Need to renew your driver’s license but don’t want to get stuck waiting? In Kingsport, you can keep track of the wait times at area DMVs to inform your next dash. Or you can make things even easier by getting an appointment online. If tags are on your DMV to-do list, the Sullivan County Clerk’s Office handles tag renewals for all Kingsport residents in Sullivan County and is located at 225 W Center St. If you live in the part of Kingsport that sits in Hawkins County, your county clerk’s office is at 110 E Main St. in Rogersville. Remember that you can only go to the clerk’s office for your county. Want to make renewing your license plate even easier? Go online instead.

Public Transportation in Kingsport, TN

Whether shopping, golfing, or just getting out into the open is on your to-do list, getting around is easy in Kingsport. Though most people here drive, you can make use of public transportation as well. The Kingsport Area Transit Service (KATS) is the face of public transportation in this town. Operating Monday through Friday from 7:30 a.m. to 5:30 p.m., KATS includes six fixed bus routes and a dial-a-ride option for those needing on-demand curb-to-curb transportation. Use their ride guide to plan your best trip and view safety tips. Rideshare services Uber and Lyft operate here, as well as traditional 24-hour cab services.

For more detailed Tennessee city level guides, check out these below.

• Average Cost of Car Insurance Rates in Tennessee

• DUI Car Insurance Rates in Tennessee

• High-Risk Driver Car Insurance Rates in Tennessee

• Tennessee Car Insurance with Bad Credit Rates

• Short-Term Car Insurance in Tennessee

• SR-22 Insurance in Tennessee

How to get the best and cheapest car insurance in Kingsport, TN

Spooky celebrity sightings aren’t the only thing going for this town, of course. Not only has Kingsport been named one of the top 10 cities in which to walk, Golf Digest Magazine has ranked it as one of the best places to live in the U.S. for golfers. Wouldn’t it be great if there were a quick way to rank the best car insurance companies in the area? Better yet, what about getting the top car insurance company just for you? Insurify is the AI-driven quote-comparison engine you’ve been waiting for.

If you are driving in or around the Tri-Cities area, you already know you have to have car insurance. But you might not know how to find the kind of car insurance that fits your lifestyle the best. Let’s face it: we aren’t all movie stars with tee times ahead of us. If you’re just one of the regulars trying to get ahead of your insurance rate, use Insurify to compare dozens of the best insurance quotes in seconds.

FAQs - Kingsport, TN Car Insurance